Our Perspective

Bad faith liability is a fact of doing insurance business and no carrier is immune to the exposure. Insurers across the U.S. are susceptible when they deny coverage, reject settlement offers and do not investigate claims promptly. That’s why we’ve...

Every year the Equal Employment Opportunity Commission releases its discrimination charge statistics, which we view as a good barometer of emerging claim trends for employers. The 2011 numbers, like those in the preceding year, reached an all-time high....

It finally looks as though there is some good news in the U.S. Individual Disability Income Market - some encouraging sales figures for 2011. According to our latest US Individual Disability Income Market Survey, there was a measurable increase in new...

The U.S. Group Life insurance market remains a mixed bag, according to our latest market survey. While in-force premium appears to be holding up, new sales continue to struggle.
Thirty-four companies, representing over $22.3 billion in Total Life and...

How many insurers would have predicted 20 years ago that the Internet would create personal injury exposure for them?
Yet with social media use growing exponentially, it’s increasingly clear that cyberspace is becoming a fertile environment for...

It’s hard for insurers to get their arms around emerging risks: they come in so many different forms. All they have in common is little or no historical data with which underwriters can work with.
However, by definition, emerging risks are already...